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An American Depositary receipt is defined as a security: a. which has been deposited in an interest-bearing account at a U.S. bank b. issued outside of the U.S. which which represents shares of a U.S. stock c. issued in the U.S. which represents shares of a foreign stock d. which has a guarantee of payment from a U.S. bank e. issued in multiple countries but denominated in U.S. currency Which of the following is a use of cash? a. creating an accounts payable b. collecting an accounts receivable c. securing a new loan d. expensing depreciation e. reducing accounts payable The process of finding the present value of some future amount is often called: a. compounding b. reducing c. valuing d. discounting e. complexing